It is non existent.UBH will not pay for inpatient care no matter what. People die because of UBH. We pay a high premium and when our child needed help you turned your back. We have spent thousands of our own money. Went bankrupt..........but our son is alive and healthy by the grace of god and our determination to spend the money needed to help him, Even thought we have the best insurance in the world. UBH would not pay. We even appealed at OPM....

Because of an administrative error made by the Office Of Personnel Management, this insurance company has not paid a claim of mine for the last six months. When they did pay, I had the highest co-pays I have ever had to pay. Had a Cath. Lab test which I paid almost $1,000.00 dollars just for the hospital part. They are the worst employees I have dealt with. And the Collections people are the worst. They think they are doing you a favor...